ourexpertise - Crédit Agricole CIB

4CONSOLIDATED FINANCIAL STATEMENTS• NOTE 3: FINANCIAL MANAGEMENT, RISKEXPOSURE AND HEDGING POLICYA description of different risks exposures of Crédit Agricole CIB and the policies put in place to manage and mitigate those risks are describedin the Management Report in the section entitled « Risk factors », as allowed by IFRS 7.3.1 Credit riskConcentrations by type of customer• Loans and advances to customers: analysis by customer type€ millionGrossFinancialassetsindividuallyimpaired(gross amount)31.12.2010IndividualimpairmentsCollectiveimpairmentsCentral governments 6,427 82 (80) (28) 6,319Banks 59,861 541 (481) 59,380Central banks 12,109 12,109Non-bank institutions 37,601 765 (491) (905) 36,205Corporates 110,310 2,263 (952) (1,204) 108,154Retail customers 6,668 901 (60) 6,608Total (1) 232,976 4,552 (2,064) (2,137) 228,775Accrued interest, net 473Net book value 229,248(1)Including €770 million of restructured performing customer loans; €410 million of loans less than 90 days past-due and €358 million of guarantees received.Total€ millionGrossFinancialassetsindividuallyimpaired(gross amount)31.12.2009IndividualimpairmentsCollectiveimpairmentsCentral governments 3,270 74 (73) (21) 3,176Banks 63,386 541 (382) 63,004Central banks 2,789 32 (32) 2,757Non-bank institutions 15,125 389 (127) (656) 14,342Corporates 128,591 2,778 (1,050) (1,486) 126,055Retail customers 5,201 1,005 (70) 5,131Total (1) 218,362 4,819 (1,734) (2,163) 214,465Accrued interest, net 442Net book value 214,907(1)Including €558 million of restructured performing customer loans; €307 million of loans less than 90 days past-due and €579 million of guarantees received.Total166SHELF-REGISTRATION DOCUMENT CRÉDIT AGRICOLE CIB 2010